It's a new financial year, which means a fresh £20,000 ISA allowance — and a market that looks more competitive than ever. But several of the headline rates are not quite what they seem.

In this episode:

• Why eToro's 4.78% works differently to a standard Cash ISA
• What XTB's 6% actually means over 12 months
• The bonus rate traps — and which accounts drop by up to 2% after year one
• Flexible vs non-flexible ISAs explained clearly
• How ISA transfers work — and the one mistake that kills your tax-free wrapper

Rates sourced from DepositScout.com — check the link for the latest figures before you act.

Check out our website DepositScout.com for the latest savings rates. 

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